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A lot of individuals often are wary when it comes to companies that ask for high interest rates when it comes to their loans. Cash advance loans come with a responsibility. You might find yourself making payments for years if you do not select a legitimate lending establishment. The following article will give you advice so you are well-protected when getting a payday loan.

Don?t simply hop in the car and drive over to the closest payday loan lender to acquire a bridge loan. It?s tempting to think you understand cash advances well, but many company have terms that very widely. You want to find the best terms for your situation. Investing only a little bit of time can help you save quite a bit of money.

You?ll need phone references for your payday loan. You will generally need to share your home phone number, cell number and your employer?s number. The vast majority of lenders ask for three personal references along with phone numbers.

Don?t overuse payday advances. Think about seeing a credit counselor to get your finances under control if you?re having financial problems. Payday and cash advance lending has driven many individuals towards bankruptcy. You will only be able to ensure this never happens to you if you stay away from these kind of loans in the first place.

Payday cash advances are usually quick. The downside of this convenience is the cost. If you can?t afford the high interest payments you should try talking to friends and family to see if you can work out a short term loan with them. You may find this better than the high interest rates associated with cash advance loans.

Investigate what the total cost of the loan will be. Payday lenders have notoriously high interest rates and excessive fees. However, this isn?t the only thing that providers can hit you with. They can also charge you with large fees for every single loan that is taken out. Reading the fine print and asking pertinent questions can help you become more knowledgeable about payday cash advances.

It is important to have verification of your identity and employment when applying for a payday loan. You must show this provider you are actually over 18 and you?re getting regular income if you want to have a chance at receiving a payday loan.

If you face hardships, give this information to your provider. Often payday loan providers will use debt collectors if you do not pay your loan back in time. If you cannot pay it back in time on the date it?s due, you need to contact them and talk about an extension.

If your friend wants to get a payday loan and put it in your name, don?t do it. It is important to help people you care about, but this can ruin anyone?s relationships.

Check to make sure your payday loan company is licensed to operate in your state. The rules and regulations regarding payday lending vary by state. Your lender has to be licensed to be able to operate in your home state.

If you?re applying for cash advances, try borrowing the smallest amount you can. Of course, these loans come in handy when emergencies arise. However, the amount of money you will be paying for interest is a lot higher than the interest on a credit card. Keep these rates low by taking out a small loan.

Do not take out multiple payday cash advances. Don?t go to more than one company to get cash advance loans. This will put you in a place where you won?t be able to get the money paid back, no matter what salary you?re making.

Only borrow what you?re positive you can repay down the road. Lenders often try to get you to accept more than you can afford, and this will cost you a lot of money.

Don?t borrow extra money, even if it is offered. Companies may offer you extra to pick up more money with fees and interest. Just borrow what you need and don?t embellish it.

A payday loan is a good solution in certain situations, but do not let this become a habit and always explore other options first. This information can help you when you need some quick cash.

You may find stock market newsletter intimidating, but research goes a long way. Great tips will bring you a long way in your quest for information. There is so much information about stock market newsletter here, you shouldn?t be wanting for more.

Saturday, January 5, 2013
Cincinnati Bengals at Houston Texans 4:30 p.m. ET (NBC)
Minnesota Vikings at Green Bay Packers 8 p.m. ET (NBC)
Sunday, January 6, 2013
Indianapolis Colts at Baltimore Ravens 1 p.m. ET (CBS)
Seattle Seahawks at Washington/Dallas 4:30 p.m. ET (FOX)
The NFL also released its schedule for Divisional games that will be played the following week:

Saturday, January 12
Bengals/ Colts/ Bengals at Denver Broncos 4:30 p.m. ET (CBS)
Packers/ Redskins/ Cowboys/ Seahawks at San Francisco 49ers 8 p.m. ET (FOX)

Sunday, January 13
Redskins/ Cowboys/ Seahawks/ Vikings at Atlanta Falcons 1 p.m. ET (FOX)
Texans/ Ravens/ Colts at New England Patriots 4:30 p.m. ET (CBS)

Source: http://www.nowpublic.com/sports/nfl-playoff-schedule-2013-complete-2011-nfl-tv-playoff-schedule

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Intel is a global mega-corporation with $50+ billion in revenue, 100,000 employees, and a $100 billion market cap.

It has been a fixture of the tech industry for so long that it seems as though it has been here forever.

But in 1968, it was just an idea.

In 1968, Intel's two co-founders, Robert Noyce and Gordon Moore, quit Fairchild Semiconductor to start Intel. Before starting the company, they produced a rudimentary business plan. Pioneering venture capitalist Arthur Rock then used the plan to raise $2.5 million in convertible debt financing, and Intel was born.

The folks at Ideas Lab recently unearthed a page of the business plan, which Andreessen Horowitz partner Chris Dixon tweeted around a couple of days ago.

What did the business plan for the now-legendary massive corporation look like?

Not much.

In fact, if ever there was a document that illustrated that success is less about ideas than execution, this is it.

?

SEE ALSO: Investors Have Now Lost More Money In Apple Than In HP and RIM Combined

Source: http://www.businessinsider.com/intel-business-plan-from-1968-2012-12

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kkleiner writes "A small handful of doctors in China are using a highly controversial procedure to rid people of drug addiction by destroying a part of patients' brains. The procedure involves drilling small holes into the skulls of patients and inserting long electrodes that destroy a part of the brain called the nucleus accumbens. This area, often referred to as the "pleasure center" of the brain, is the major nucleus of the brain's reward circuit. is it worth being cured of addiction if, losing the addiction, we also lose part of who we are? Is it worth being cured of addiction if, losing the addiction, we also lose part of who we are?" The practice has been officially banned, but apparently continues nonetheless.

Source: http://rss.slashdot.org/~r/Slashdot/slashdotScience/~3/LOUgQzMXor8/story01.htm

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Kashmiri Sikh students protesting against the brutal gang-rape of a woman on a bus last week in New Delhi, shout slogans in Srinagar, India, Thursday, Dec. 27, 2012. Indian Prime Minister Manmohan Singh pledged Thursday to take action to protect the nation's women while the young victim of a gang rape on a New Delhi bus was flown to Singapore for treatment of severe internal injuries. (AP Photo/Dar Yasin)

MOSCOW (AP) -- A passenger airliner careered off the runway at Russia's third-busiest airport and partly onto a highway while landing on Saturday, broke into pieces and caught fire, killing at least four people.
Officials said there were eight people aboard the Tu-204 belonging to Russian airline Red Wings that was flying back from the Czech Republic without passengers to its home at Vnukovo Airport.
Emergency officials said in a televised news conference that four people were killed and another four severely injured when the plane rolled off the runway into a snowy field and partly onto an adjacent highway, then disintegrated. No collisions with vehicles on the major, multilane highway were reported.
The plane's cockpit area was sheared off from the fuselage and the tail section partly torn away.
The crash occurred amid snow and winds gusting up to 15 meters a second (30 mph), but other details were not immediately known. A spokesman for Russia's top investigative agency, Vladimir Markin, said initial indications were that pilot error was the cause.
The state news agency RIA Novosti cited an unidentified official at the Russian Aviation Agency as saying another Red Wings Tu-204 had gone off the runway at the international airport in Novosibirsk in Siberia on Dec. 20. The agency said that incident, in which no one was injured, was due to the failure of the plane's engines to go into reverse upon landing and that its brake system malfunctioned.
On Friday, the Aviation Agency sent a directive to the Tupolev company's president calling for it to take urgent preventive measures.
The plane that crashed Saturday took off from Pardubice airport in the Czech Republic. Jan Anderlik, the director of the company that operates the airport, told Czech public television that the plane underwent a regular technical check before takeoff and no problems were discovered.
Prior to Saturday's crash, there had been no fatal accidents reported for Tu-204s, which entered commercial service in 1995. The plane is a twin-engine midrange jet with a capacity of about 210 passengers.
The Red Wings airline is one of the holdings of Russian billionaire Alexander Lebedev, who also owns the British newspapers The Independent and the Evening Standard.
Vnukovo, on the southern outskirts of Moscow, is one of the Russian capital's three international airports.

PESHAWAR, Pakistan (AP) -- Government officials say 21 tribal policemen believed to have been kidnapped by the Taliban have been found shot dead in northwest Pakistan.
Naveed Akbar Khan says officials found the bodies shortly after midnight on Sunday after being notified by one policeman who had escaped. Another policeman was also found seriously wounded.
Khan says the slain policemen were found in the Jabai area of Frontier Region Peshawar, part of Pakistan's troubled tribal region. Khan is a senior political official in the area.
The 23 policemen went missing before dawn Thursday when militants armed with rocket-propelled grenades and automatic weapons attacked two posts in Frontier Region Peshawar. Two policemen were also killed in the attacks.

QUETTA, Pakistan (AP) -- A government official says a bomb has struck a pair of buses carrying Shiite Muslim pilgrims in southwest Pakistan, killing four people.
Zubair Ahmed said the attack Sunday in Baluchistan province's Mastung district wounded another 15 people, including three women. The bomb was strapped to a motorcycle and detonated by remote control. One bus was almost completely destroyed. The other was damaged.
Ahmed said the buses were coming from neighboring Iran, a majority Shiite country and popular destination for religious pilgrims.
Pakistan has experienced a spike in killings over the last year by radical Sunni Muslims targeting Shiites who they consider heretics. Many attacks have occurred in Baluchistan, believed to be a hiding place for senior Afghan Taliban commanders and also the site of a decades-long insurgency by nationalists.

NEW DELHI (AP) -- The body of a young woman who was gang-raped and brutally beaten on a moving bus in India's capital has been cremated.
Indian police have charged six men with murder in the Dec. 16 attack, which shocked the country and triggered protests for greater protection for women from sexual violence.
The murder charges were laid Saturday, hours after the woman died in a Singapore hospital, where she had been flown for treatment.
Her body was cremated in a private ceremony Sunday in New Delhi soon after its arrival from Singapore on a special Air-India flight.
Prime Minister Manmohan Singh and Sonia Gandhi, head of the ruling Congress party, were at the airport to receive the body and meet family members of the victim who had also arrived on the flight.

EL-ARISH, Egypt (AP) -- An Egyptian security official says that thousands of tons of building materials such as cement and steel are crossing into the Palestinian Gaza Strip, which had previously been under a strict blockade.
He said the move was made in consultation with Israeli officials, who were in Cairo Thursday to discuss security in the Sinai Peninsula and the Egyptian-brokered ceasefire signed by Gaza's Hamas rulers and Israel last month.
The Egyptian official spoke on condition of anonymity because he was not authorized to speak to the media.
The director of Gaza's border authority, Maher Abu Sabha, confirmed to The Associated Press that 20 trucks of material are expected to enter the coastal strip on Saturday through the Rafah crossing. Qatar is paying for the raw materials, which were bought in Egypt.

CARACAS, Venezuela (AP) -- Venezuelan authorities say they have deported a man they describe as a French intelligence agent who was jailed for alleged involvement in a plot to assassinate President Hugo Chavez.
Prisons minister Iris Varela announced the expulsion of Frederic Laurent Bouquet in a Twitter message Saturday. Varela says Bouquet was arrested on June 18, 2009, and confessed that he came to Venezuela to assassinate Chavez. She says he was caught with weapons.
Varela has offered no other details on the case. It's unclear if the man was ever formally charged.

FUKUSHIMA DAI-ICHI NUCLEAR POWER PLANT, Japan (AP) -- Japan's newly installed prime minister has visited the tsunami-devastated Fukushima Dai-Ichi nuclear plant, site of the worst nuclear accident since the 1986 Chernobyl disaster.
Shinzo Abe's visit Saturday to the plant comes amid pledges from his ruling Liberal Democratic Party to review the country's plans to phase out nuclear power.
A massive earthquake and tsunami on March 11, 2011, swamped parts of the Fukushima plant, disabling backup systems and triggering radiation-spewing meltdowns that forced tens of thousands of people to flee. The disaster triggered massive protests against atomic energy.
The LDP regained power in elections this month and plans to spend 10 years studying the best energy mix for Japan. Abe has said he may reconsider the previous government's decision to stop building reactors.

Source: http://www.wtvy.com/home/headlines/World-News-Russian-Airliner-Crash-India-Mourns-Rape-Victim-Japan-Rethinking-Nuclear-Ban-185192732.html

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NIPTON, Calif. ? Gerald Freeman unlocks the gate to the small power plant and goes inside. Three rows of solar collectors, elevated on troughs that track the sun's arc like sunflowers, afford a glimpse of California's possible energy future.

This facility and a smaller version across the road produce some 70 kilowatts of electricity, about 80% of the power required by Nipton's 60 residents, its general store and motel.

Freeman, a Caltech-trained geologist and one-time gold mine owner, understood when he bought this former ghost town near the Nevada border that being off the grid didn't have to mean going without power.

PHOTOS: Solar power in Nipton, Calif.

He contracted with a Bay Area company to install solar arrays on two plots of land. The town has a 20-year agreement to buy its power at a below-market rate.

Projects like these make do with scant financing opportunities and little support from the federal government.

The Obama administration's solar-power initiative has fast-tracked large-scale plants, fueled by low-interest, government-guaranteed loans that cover up to 80% of construction costs. In all, the federal government has paid out more than $16 billion for renewable-energy projects.

Those large-scale projects are financially efficient for developers, but their size creates transmission inefficiencies and higher costs for ratepayers.

Smaller alternatives, from rooftop solar to small- and medium-sized plants, can do the opposite.

Collectively, modest-sized projects could provide an enormous electricity boost ? and do so for less cost to consumers and less environmental damage to the desert areas where most are located, say advocates of small-scale solar power.

Recent studies project that California could derive a substantial percentage of its energy needs from rooftop solar installations, whether on suburban homes or city roofs or atop big-box stores.

::

Janine Blaeloch, director of the nonprofit Western Lands Project, said smaller plants were never on the table when the federal solar policy was conceived early in President Obama's first term.

Utilities and solar developers wanted big plants, so that's what's sprouting in Western deserts, she said.

"There was a pivot point when they could have gone to the less-damaging alternative," Blaeloch said, referring to both federal officials and environmental groups that have supported large-scale solar projects.

"There's no question that it was a matter of choice, and it was the wrong choice."

Built in far-flung locations where there is plenty of open land, large-scale plants require utilities to put up extensive transmission lines to connect to the grid.

Utilities charge ratepayers for every dollar spent building transmission lines, for which the state of California guarantees utilities an annual return of 11% for 40 years.

By comparison, small-scale plants can be built near population centers and provide power directly to consumers, reducing the demand for electricity from the grid.

Rooftop solar goes one step further.

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/gQIzS0VCwaM/la-me-solar-future-20121229,0,7521736.story

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December 28, 2012 ? (RealEstateRama) ? In an effort to make it easier for citizens to locate surplus City land available for sale, Mayor Chris Beutler today announced that a complete listing is available on the City website at lincoln.ne.gov (keyword: surplus). The site includes a searchable database with aerial photos, addresses, parcel sizes and zoning.

?My administration has had a goal of making it easier for individuals to locate surplus City land and to facilitate the process of its purchase,? said Mayor Beutler. ?We want this land in private hands for two reasons ? to improve the chance the land will be brought to its highest and best use, and to ensure the land will be on the tax rolls, contributing to the revenues of the City, County, public schools and others.?

The city owns property from a variety of ways including purchase, by trade or gift and by tax sales. Not all land owned by the City has a current or projected civic purpose. Surplus property is available for purchase, trade, or lease; depending on the circumstance.

Inquiring individuals should find the process easier and more efficient with the help of the website listing. In the past, property records had to be searched and, when found, it was not clear how to start the potential purchase process. In addition, the surplus property process is being redrafted to ensure that the public has fair notice of the surplus status of property before the City agrees to its sale.

The City has identified 55 parcels ranging in size from one-tenth of an acre to about five acres thus far. There are common rectangular, ?buildable? lots as well as irregularly-shaped polygons.

Contact:
David Landis, Director, Urban Development, 402-441-7606

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Source: http://nebraska.realestaterama.com/2012/12/28/city-property-for-sale-listed-on-city-website-ID088.html

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LAS VEGAS -- Police suspect that a casino worker killed a 10-year-girl before going to a Las Vegas resort and allegedly slashing the face of a co-worker with razor blades.

The search for Jade Morris ended Friday afternoon when officials confirmed that it was her body that was found a day earlier in an undeveloped housing tract.

The Clark County coroner's office said she died of multiple stab wounds,

Jade was last seen Dec. 21 with family friend Brenda Stokes Wilson, who picked her up to go Christmas shopping.

Wilson, 50, returned the car she had borrowed for the outing to a friend two hours later. Jade never came back. Investigators later found blood on the driver's door and steering wheel of the 2007 Saab sedan.

Later that night, Wilson was wrestled to the ground with razors in each hand after allegedly slashing the face of a female co-worker at the Bellagio casino.

A judge raised her bail to $60,000 from $600,000 Friday morning after she was identified as the prime suspect in the child's killing.

"It's no secret the defendant is the suspect in the murder of 10-year-old Jade Morris," prosecutor Robert Daskas told Senior Clark County District Court Judge Joseph Bonaventure at the hearing.

Later Friday, Las Vegas police homicide Capt. Chris Jones said investigators were still moving forward.

"As soon as we get all the evidence in that we need, we'll book her on the murder charges," he said.

Wilson has been jailed since the 21st on felony battery with a weapon, burglary and mayhem charges that could get her decades in prison.

Police said she offered no help in the search for the missing girl. Murder and kidnapping charges could get her life in prison without parole or the death penalty.

On Thursday, Las Vegas police responding to a 911 call found a girl's body in unkempt brush near palm trees in a small traffic circle about 10 miles from the downtown Las Vegas outlet mall where Stokes was to have taken the girl shopping.

On Friday evening, Jones called the slaying "unfathomable."

"Even having our jobs, we still can't wrap our heads around this," he said. "A lot of people think that just because of our positions we can understand it, but we can't."

In court Friday morning, Wilson stood flanked by eight police officers as her lawyer, Tony Liker, clutching a Bible and a copy of the charging documents, asked the judge to postpone arraignment until Wednesday to give him time to meet with Wilson.

Wilson, who had been identified by police and prosecutors as Brenda Stokes, told the judge Friday that her full name was Brenda Stokes Wilson.

Jade's father, Philip Morris, was removed from court Wednesday by armed court officers after shouting questions about his daughter's whereabouts to Wilson. He did not attend Friday's hearing.

The two dated for several years, and Jade had a long and trusting relationship with Wilson, according to the girl's grandfather, Philip Tucker.

Tucker said Philip Morris lived in Billings, Mont., and worked at a Flying J truck stop for more than a year. He would stay with Wilson when he visited Las Vegas, Tucker said.

Authorities have not disclosed a motive for the slaying. But Tucker said Wilson appeared to believe that the face-slashing victim had become romantically involved with Philip Morris.

Wilson picked up Jade for their shopping expedition around 5 p.m. Later, she got a ride with a friend to the Bellagio. She allegedly attacked her co-worker, Joyce Rhone, at around 9:30 p.m.

Rhone, 44, was hospitalized with deep cuts on her face, including one from her ear to the edge of her mouth.

Wilson told investigators that she visited her doctor last week, seeking to be admitted to a hospital "due to feeling like she wanted to hurt someone."

___

Associated Press writers Hannah Dreier and Michelle Rindels contributed to this report.

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Source: http://www.huffingtonpost.com/2012/12/29/jade-morris-dead-brenda-stokes-charged_n_2380326.html

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EDNA, Texas (AP) ? Most of the time, the windowless building with the dome-shaped roof will be a typical high school gymnasium filled with cheering fans watching basketball and volleyball games.

But come hurricane season, the structure that resembles a miniature version of the famed Astrodome will double as a hurricane shelter, part of an ambitious storm-defense system that is taking shape along hundreds of miles of the Texas Gulf Coast.

Its brawny design ? including double-layer cinder-block walls reinforced by heavy duty steel bars and cement piers that plunge 30 feet into the ground ? should allow it to withstand winds up to 200 mph.

"There is nothing standard" about the building, said Bob Wells, superintendent of the Edna school district, as he stood inside the $2.5 million gym, which is set to be completed by March. "The only standard stuff is going to be the stuff we do inside."

The Edna dome is one of 28 such buildings planned to protect sick, elderly and special-needs residents who might be unable to evacuate ahead of a hurricane. First-responders and local leaders will also be able to take refuge in the domes, allowing them to begin recovery efforts faster after a storm has passed.

Storm-defense structures are getting increased attention in the aftermath of Hurricane Sandy, which inflicted heavy damage on the East Coast in October. The city of New York, for instance, is considering a multi-billion-dollar system of sea barriers.

For Texas, a state always in danger during hurricane season, the domes offer the extra benefit of serving as recreation or community centers when not needed as shelters. They are being erected with help from the federal Emergency Management Agency.

"I think it's good for FEMA, and I think it's good for us. And I think it's good for the taxpayers," Wells said.

The gym in Edna, a town of 5,500 people about 100 miles southwest of Houston, is the second hurricane dome in Texas. The first was built in 2011 in Woodsboro, near Corpus Christi. Most of the domes will be around 20,000 square feet.

The plan calls for structures in 11 counties in the Rio Grande Valley, around Corpus Christi and along the coast from Victoria to Newton counties, said Tom Vinger, a spokesman for the Texas Department of Public Safety.

So far, $34.5 million has been awarded. This month, FEMA approved funds for a hurricane dome that will serve as a community center in Brownsville, one that will serve as a wellness center and physical rehabilitation facility in Bay City and two that will serve as multi-purpose training centers in Kingsville.

Inside the gym in Edna, Wells' voice echoed as he pointed to the ceiling, which has layers of sprayed-on concrete, insulation and rebar, all of which are under a heavy duty fabric that gives the structure its distinctive wind-resistant shape.

The doorways are covered by awnings of heavy gauge metal and supported by concrete girders that go 15 feet into the ground.

FEMA is paying for 75 percent of the dome structures, with local communities picking up the remaining cost.

The funding is part of the agency's initiative to help homeowners and communities build hardened shelters that provide protection from extreme weather.

Nationwide, more than $683 million has been awarded in 18 states, including Texas, Alabama, Michigan and South Carolina.

Walking around the gym, Wells said it reminded him of when, as a teenager, he first walked into the Astrodome after it opened in 1965 in Houston.

"It was like, 'Oh, wow, this is so cool,'" he said. "I'm still kind of in the 'oh, wow' stage with this."

___

Follow Juan A. Lozano on Twitter: www.twitter.com/juanlozano70